Porkerlou

preapproved.bankofamerica.com/cc/SelfInquiry.aspx Is this confirmed to be a soft pull (at least at first)?

I have three clean reports except a paid tax lein dating to 2006. All three scores 695-699. Utilization under 10%. 1-3 inquiries on all reports but only one inquiry on each report in 2009 and no inquiry since 05/09. I think I'm borderline at best with Penfed for their credit card. Anyone have a Penfed with a paid tax lein? Anyone else think I can get this card? Job, income and DTI should all be ok. Thanks!

I don't understand that. I thought items only stay on CHEX for five years?

I have habitually been given increases every 3-4 months with a soft pull on the website. Up to $2500. It's a GEMB card.

Thanks SuperG but I have had several months with completely zero balances on all credit cards with scores staying in that same range. I really think I'm just stuck on a scoring card maximum amount and have to wait until I meet the criteria for the next card. Probably stuck because of the lien and length of accounts. Really wanted to know if anyone else has a score above 700 with the lien and it looks like one person replied that it has happened. Anyone else???

Average age is about 3.5 years. No accounts less than 2 years old. 2 open mortgage accounts over 3 years each, 5 installment accounts (3 paid, 2 open. 1 of the two is 4 years into 5 year loan, other is 2.5 years into 6 year loan) Only 3 of the 19 CC's report a balance with the highest at about 12% but I have had were ALL are PIF with same score. EX is FAKO, EQ, TU are FICO but EX FAKO has not moved either. That was the question of my original post. All scores (FAKO or FICO) have not moved from a very narrow range in 12 months and NONE are above 699. I think I'm on a scoring card where the highest is score possible is 699. Anyone have other thoughts?

Simply wondering if anyone has a FICO score over 700 with a tax lien reporting. I have a lien from 2002 that was released in 4/2006. Also had a BK that JUST fell off due to age. Thought my score would go up with the BK dropping off but it hasn't. Everything else PERFECTLY clean. Five-year history. 4% utilization. Diverse portfolio 28 total accounts, 19 are open. Score has been CONSISTENTLY been 685-699 for the past 12 months, Experian even more narrow (693-698). Obviously thinking the scoring "card" I'm on limits my score or that the tax lien prevents score above 700. Thanks!

All those warm, sunny days, classic cars and nicely tanned women are getting to be a real drag? LOL. I am perpetually amazed why the whole world doesn't live here. LOL is right. I'm perpetually amazed why people DO live there. Some people are just gluttons for high taxes and infrigements on freedom I guess.

I used to work fairly high up in Target, not in the credit card division, but related and close enough that I heard the news and saw the reports. Target has had a hot debate on selling their cc division for over fifteen years. (I know this is not new info, but rest assured the feelings are as divided within Target as reported on the JPMorgan deal.) I would be willing to bet this is JPMorgan's influence. If not directly, then Target protecting assets so they can sell the rest of the operations and/or assets.

SO many factors could be at play here it's hard to say. Some possibilities: 1.) My first guess would be the boat. Are you sure score didn't drop once that NEW account started REPORTING? There may be a delay between closing the loan and it reporting to CRAs. You also took new inquiries for that loan. New accounts almost always are short-term negatives. 2.) New balances - even 35% - on an account can lower a score some. Such as your Dell purchase. 3.) Sometimes you can get moved to a different group or scorecard of FICO users. I read it described going from remedial reading to "normal" reading class. You went from the top of the remedial to the bottom of the regular class. See link here: http://www.foxbusiness.com/story/secret-sc...-affect-credit/ (original credit to Hegemony, I think) 4.) You also lost an installment loan that I assume was showing a very low ratio (motorcycle) and replaced it with what I am assuming is a higher ratio installment loan in the boat. 5.) Your thought on it being a credit line is possible, but I think less likely. Doesn't it report as "installment" or "revolving" on CRA reports? There are probably a half dozen other possibilities - literally. Good luck trying to figure it out. The bottom line is if you keep paying on time and reduce balances your score should go higher than it was in a fairly short period of time.

$X,XXX.XX I don't think anyone else who has a collection with midland has that exact balance. Not only that, I'm seeing a case "file No." unedited (that alone tells them EXACTLY who you are), full attorney name, addresses and phone numbers (helps identify which branch, if any), a specific date to December 2006 (charge-off date?), and the exact dollar amount as mentioned above. I just don't think you can be too careful, especially when you are talking so candidly. This isn't some $300 charge off. It may be enough money to really come after you. No need to make it easier for them Good luck

I can't help you on what to do on those "court" papers - not an attorney. However, I would call the court or an attorney and see if there is actually a court date set for you. I can't tell if it's a real court document or sometimes collection agencies and attorneys use documents meant to look like it to get you into calling them and make a payment. I really don't know. The real reason I'm writing is to say that I would get those documents off or clean them up a little bit more. You are publishing the supposed case number, phone number, attorney name, your address and other information in a same post that you admitted you "defaulted" and "ignored" previous letters. Not good! If this attorney office reads these boards (which many do) you just cooked your own goose. I would edit them up a little more. Good Luck! (Mods - any help/thoughts?)

There is no DV timeframe under the FDCPA. When was the letter sent out? There may be no timeframe under FDCPA, but OP had a TWO day difference between the received dates on the letters. COURTS deem 30 days as reasonable and from that perspective is where I believe we should put our train of thought because it is litigation or the threat of litigation that often is the last catalyst to get these files removed.

It's a basic form letter. I think there's a good chance they just crossed in the mail - not literally but same point. In virtually all cases, CA is allowed up to 30 days for DV response, so maybe a little premature here.

+1 but people need ADD THEIR CREDIT PULLS more - it's getting outdated.